5 lakh personal loan - EarlySalary

Cash Loan

Unsecured personal loans are provided for personal use

These loans are provided at fixed personal loan interest rates throughout the loan tenure. With unsecured loans, as there is no collateral involved the interest rates tend to be higher as there is a risk involved for the lender. Be it a wedding or vacation or education or any other need, EarlySalary always offers you a helping hand in meeting your personal loan needs.

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Why Should I Choose EarlySalary?

Here are some compelling reasons why EarlySalary is the most suitable option when it comes to the instant personal loans:

Interest rates offered by EarlySalary for all the best personal loans We understand your needs when you run out of cash. We offer interest rates based on your credit score and our own formulated “Socialworth Score”. Also, the personal loan interest rates will not be changed (with the change in RBI interest rates), until the repayment of your loan, which you can prepay as per your convenience, no extra cost. You can use our Personal loan EMI calculator to know the interest rates.

Advantages of Instant

Personal Loans with ES

We understand your needs really well, that’s why we never ask you what do you need the money for.

How to Get Instant Personal Loan

How to Get Instant Personal Loan


Apply for Cash Loan

Once you have an approved EarlySalary limit, select Amazon as an option to use your limit to purchase Amazon gift cards


Select EMI option

Select from 1, 2 & 6 EMis as repayment options


Money Transfer to your Bank Account

Add the voucher to your Amazon Pay balance without having to place an order.

Eligibility Criteria

All you need to be eligible for a EarlySalary loan.

Personal Loan Age Eligibility Criteria Logo - EarlySalary

Age: Between 21 and 55 years

Personal Loan Salary Eligibility Criteria Logo - EarlySalary

Metro cities: Minimum salary - ₹18,000

Non-metro cities: Minimum salary - ₹15,000

Personal Loan Residence Eligibility Criteria Logo - EarlySalary

Residence: Must be a resident of India

Personal Loan Age Eligibility Criteria Logo - EarlySalary

Age: Between 21 and 55 years

Personal Loan Salary Eligibility Criteria Logo - EarlySalary

Metro cities: Minimum salary - ₹18,000

Non-metro cities: Minimum salary - ₹15,000

Personal Loan Residence Eligibility Criteria Logo - EarlySalary

Residence: Must be a resident of India

Documents needed for

personal loans at ES

Proof of Identity: PAN Card (any one)

Proof of Residence: Leave and License Agreement / Electricity Bill (not more than 3 months old) / Passport

Latest 3 months Bank Statement (where salary/income is credited)

Salary slips for the last 3 months or the 3 months bank statement

1 passport size photograph

Note – If you want quick personal loans online, all the document must be in PDF format and self-attested by the customer. No photocopies are allowed.

Security and confidentiality of personal details

EarlySalary processes all loans online. Below are a few major precautions that we at EarlySalary take for protecting your personal loan details.


Secure Socket Layer (SSL) Encryption

Provides secured login through https:// protocol. Our Personal loan EMI calculators are also protected and safe to calculate your personal loan interest rates.


2-Factor or Multi-factor authentication measures

Allows you to securely login using security questions or by the use of a security code sent to your registered mobile number.


Use of Cookies

No additional information is required every time you log in to EarlySalary.



Firewalls filter the unauthorized and unsecured data coming and going out of our servers.


Secured and Confidential Credentials

EarlySalary never shares your password with anyone (and neither should you).

Mistakes to avoid while applying for quick personal loans online

Today many online lenders are coming forward to offer quick personal loans online at attractive interest rates. It is always advisable to read the terms and conditions carefully for smooth and safe experience.

Below are a few things to consider, before applying for quick personal loans online.

Not checking your eligibility before applying – As you know, your loan approval is purely based on your profile details that you submit in your application. So, to get instant personal loan, make sure your profile has all details like your age, income, residential details, employment details, loan amount and tenure in place. Apart from these, make sure that you have all the necessary documents handy before applying for quick personal loans online.

Borrowing more than you need – Always borrow the amount that is sufficient enough to meet your current needs or requirement. Borrowing a loan amount that exceeds your repayment potential will make things difficult. But with EarlySalary, you don’t need to worry about it as there is no prepayment/foreclosure charges involved. You just pay for the number of days you use the money for.

Not maintaining good credit score – Credit score is an important factor that helps in determining the interest rate against your loan. If you have a good credit score, you can sit back and relax because your loan processing will be easy.

Ignoring or not reading the Fineprint – EarlySalary highly recommends reading the Fineprint and disclaimer thoroughly before applying for the loan. Few of the Fineprint details that you must know are:

Forgetting your repayments on time – Now that you are aware of how easy it is to get instant personal loan approval online, the next part is bearing in mind not to ignore or forget to repay your interest on time. This is common if you are borrowing for the first time. This also adversely affects your credit score in getting the best personal loans for future use as each and every loan transaction is recorded in your credit report. So, set up regular reminders in your calendar or mobile to pay your interests on time.

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Frequently Asked Questions

Featured In

The industry recognizes us as much as our customers love us! And so, EarlySalary has been featured in multiple leading publications, documenting our efforts in making credit accessible to you!

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